Home Credit Vietnam has just closed Risk - Compliance - Audit Week 2026 (RCA 2026) with the theme "Digital Security - Risk Understanding - Data Guidance". Entering its second season, RCA 2026 continues to show Home Credit Vietnam's efforts in consolidating the data-based operating model. The program focuses on three key areas: improving data management capacity, applying technology and perfecting the risk management system throughout the organization.
In the consumer finance sector, data has long been an important foundation in Home Credit Vietnam's operating model, supporting many stages from credit appraisal, customer authentication to detecting fraud and monitoring loan portfolios.
“We have built a solid data platform for many years and have been recognized by partners for our risk management capacity as well as operational efficiency. In the context of constantly developing digital finance, Home Credit Vietnam needs to continue to strengthen this platform, while ensuring that data is managed, protected and used responsibly throughout the organization,” said Mr. Leos Gregor, Director of Risk Management and Payment Support Department of Home Credit Vietnam.
One of the highlights of RCA 2026 is Data Drive Expo, where employees directly learn how data is applied in many areas of the company's operations through 12 experience stations. The content includes credit scoring, digital identity verification, anti-fraud, Voicebot, Chatbot, generative artificial intelligence (Generative AI) and many practical solutions being implemented in different departments.
The exhibition also helps employees better understand control mechanisms, evaluation frameworks and decision-making models in lending activities. Through this, data not only supports operational efficiency, but also contributes to strengthening the enterprise's risk management platform.
The program also emphasizes the importance of protecting and using data responsibly in the context of increasingly sophisticated fraud. Home Credit Vietnam said that the business is continuing to improve management frameworks on data classification, authorization of access and data sharing, to ensure that data is used for the right purpose, in accordance with legal regulations and internal control standards.
From the story of data management in businesses, the program continues to expand to the issue of protecting personal information in the digital environment. At the sharing session with cybersecurity expert Hieu PC, common fraud tricks and how users protect themselves from fraud risks were specifically analyzed.
At the program, Hieu PC said that current fraud tricks are increasingly targeting human factors, through fake links, fake calls, malicious applications, as well as tricks using AI and deepfake technology. The common point of many tricks is to create time pressure, hitting the psychology of fear or trust to make users make hasty decisions.
He recommends that users be especially careful with requests related to OTP codes, card information, application settings or screen sharing; and should verify suspicious requests through official channels. The message emphasized in the program is: don't rush to believe, verify. In situations related to personal finances or sensitive data, verifying information through official channels before acting can help users minimize the risk of fraud.
This cautious spirit is also placed by Home Credit Vietnam in its growth approach. In consumer finance, innovation and technology application need to go hand in hand with a data management platform, clear control mechanisms and risk identification capabilities, to ensure that operating decisions are made safely and responsibly.
In loan appraisal activities, data, evaluation rules and control mechanisms are combined to support an effective decision-making process, while maintaining credit quality. According to businesses, Home Credit Vietnam's bad debt ratio is at 1.66% as of December 2025, reflecting efforts to balance customer experience and lending portfolio quality through risk management based on data.
RCA 2026 shows that Home Credit Vietnam continues to invest in management capacity, technology and risk culture to operate effectively in an increasingly data-driven financial environment. The contents of the program also reflect the orientation to build a disciplined, controlled and responsible operating model in the consumer finance sector.
